Image above: A meeting with Ocuppy.com and Commonomics USA making a presentation. From original article.

Being poor is hoping the toothache goes away,” Hugo Award-winning author John Scalzi wrote in a personal blog post over a decade ago.

“Being poor is a heater in only one room of the house... Being poor is needing that 35-cent raise... Being poor is six dollars short on the utility bill and no way to close the gap... Being poor is knowing you work as hard as anyone, anywhere.”

Economic insecurity is the American nightmare. It kills us earlier, messes up our mental health, saps the life out of us. Since Scalzi’s 2005 post, we’ve learned that more than 60 percent of us can’t afford a $500 emergency – which roughly translates to hoping the toothache goes away. That’s a pretty raw deal in exchange for an economic system that’s also killing the planet.

And only rarely can we count on others to help us out. They’re either broke themselves, or profiting from our financial instability.

“Being poor,” Scalzi wrote, “is relying on people who don’t give a damn about you.”

But there are groups of Americans who are turning that indifference on its head. Within the larger intentional communities movement are a growing number of egalitarian, income-sharing communities, whose members combine their wealth and income to create spaces where people make economic decisions cooperatively, rely on one another and a democratic policymaking process for security, and cease to consider finances—or their financial challenges—the responsibility of lone individuals.

The financial families they create range from a half-dozen to nearly a hundred people, in locations from urban Baltimore, Portland and Washington D.C. to rural Missouri and Virginia.

In mainstream society, poverty is a tremendous waste of human resources, including time and health.

“The human potential that is lost is massive,” says Sky Blue, Executive Director of the Fellowship for Intentional Community and a second-generation member of Twin Oaks, the nation’s largest income-sharing community.

If you’re opposed to capitalism and this waste of potential, Sky tells me, “there’s an imperative to share income.” Its proponents say it works, and they have evidence: People in such communities can live comfortably on as little as $5,000 per-person per-year; if people get too old or too sick to work, they receive support from others in the community and the care-time devoted to them is not a zero-sum game like it is with families in the mainstream economy.

The idea of people (apart from our immediate family) co-owning virtually everything with us is far, far away even from liberal visions of economic egalitarianism. Americans don’t generally share, at least not at a level you can base an entire economy on. At best, in favorable political seasons, we re-distribute.

But that’s not enough for income-sharing adherents. They’re even more radical than Marxists. “We’re going beyond ‘owning the means of production,’” Valerie Renwick-Porter, a writer and yoga teacher at Twin Oaks, tells me. “What we’re doing is about owning every aspect of our lives.”

Although income-sharing communities differ in many of their day-to-day logistics, they generally share a number of traits. Income earned, and value produced, by members generally goes directly into the community budget. The community can then scale the cost of all its basic obligations and members’ individual needs; things are always less expensive when you can organize people into larger cooperative systems.

Community resources such as land, buildings, vehicles, are collectively owned. Individuals have their individual things (the community doesn’t own your underpants), but there are often rules and norms to discourage the classism of conspicuous consumption.

And typically, there are cooperative work enterprises in the communities, complementing the shared wealth and providing on-site work opportunities for members.

Variations exist. Some communities only partially share income. Some share expenses but not income. The common denominator is that in these communities, nobody considers their wealth and property wholly their own.

Potential members must apply and get accepted into the communities; the provisional period is careful and deliberative.

Members can be expelled; the due process for that to occur is extensive. The communities can often work with members who have personal debt or financial obligations, but there are limits, and everything is done with careful conversation. “We don’t give everybody a blank check,” Valerie says. Nor, she says, does income sharing “divide it down to the penny.”

Since members must inevitably interact with the outside world, income-sharing makes such interaction easier, creating, Sky says, “a bubble with a semi-permeable membrane” where people receive significant financial security, help others achieve that security, all the while aware that they are not alone.

Income-replacing work, like food production, maintenance, and caring for others, is given the economic weight it deserves, rather than being marginalized by a system that discounts much of that productive labor.

It’s not a perfect system. Income-sharing can reveal a microcosm of the good and bad behaviors in society. Property transfer policies and other procedures for negotiating between personal and community property can be challenging.

Above all, Sky says, Americans view private property as sacred and talking about personal finances is verboten. “It’s very hard to let go of that way of living even with the best of ideals or intentions,” Valerie adds. “It doesn’t make sense because all of your assumptions come from a different paradigm.”

But the success and growing interest in income-sharing communities suggests that at least some Americans can make the leap of faith. The case for material sharing doesn’t require us to tattoo hammers and sickles on our shoulders, distribute copies of the Little Red Book, or storm any Winter Palaces. The case is very simple: We save resources, and make better use of them, when we share.

Members of income-sharing communities can work fewer hours than those in the mainstream economy, and achieve a higher level of material security in those hours. Participation in democratic decision making also helps people become ethical and other-oriented. The added exigencies of economic and ecological crises call for widespread modeling of community income-sharing. Starting to share now could help us dismantle oppressive systems large and small.

Perhaps most importantly, these communities already exist, meaning people can join them or build communities modeled after existing ones rather than waiting for some vanguard revolutionary party to overthrow capitalism first.